Boise ID

Three types of auto insurance that you should have

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One important consideration for any vehicle owner to take into account is auto insurance coverage. At Fuhriman Insurance Agency, we provide auto insurance coverage to motorists in Boise, ID.

The following are three types of auto insurance coverage that you should have.

Liability coverage

You are required to carry liability coverage to drive legally in Idaho and just about every other state. This type of coverage will pay for the costs of damages you cause to other drivers out on the roads. The liability coverage you carry needs to meet certain requirements, like including at least $25,000 in bodily injury coverage per individual per accident. 

Collision coverage

If you want damages to your own vehicle that you’re at fault to be covered, you need to invest in collision coverage. Liability coverage won’t cover you at all for damage to your own vehicle.

Without collision coverage, you’ll have to pay out of pocket for damage to your own vehicle unless another insured driver is deemed responsible. The costs of accident repairs can be enormous. In fact, your entire vehicle could be totaled in a severe accident. That’s why you need to have collision coverage on your auto insurance policy. 

Uninsured and underinsured motorist coverage

The state of Idaho requires drivers to carry liability coverage. However, the unfortunate truth is that there are many drivers out there who don’t carry adequate coverage. If you have uninsured and underinsured motorist coverage, you’ll enjoy coverage even if you’re involved in an accident for which an uninsured driver was at fault. 

If you’d like to learn more about meeting your auto insurance needs, we’re here to help at Fuhriman Insurance Agency. Get in touch with us by phone or online with any questions or inquiries you have regarding our auto insurance coverage options in Boise, ID. 

Three things you should know about pest control insurance

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As the owner of a pest control business, you need to be insured for the unique financial risks that your industry entails. Investing in pest control insurance can help you to protect the financial stability of your business. At Fuhriman Insurance Agency, we offer pest control insurance in Boise, ID.

The following are three things you should know about pest control insurance.

Pest control insurance is uniquely designed to insure fumigators/exterminators.

A business owner needs to invest in a commercial insurance policy uniquely tailored to their particular industry. A pest control insurance policy is the best commercial insurance option for fumigator and exterminator companies. 

A pest control business is a unique type of business.

As the owner of a pest control business, you are aware of the fact that your business faces some unique risks.

Pest control companies need to apply pesticides to the properties of their clients. This can entail certain liability risks. Events like leaks, spills, or oversprays can lead to liability damages that can be very costly. That’s why pest control insurance is important. 

Pest control insurance offers a variety of coverages including liability, property, and workers compensation coverage.

Pest control insurance doesn’t necessarily just provide liability coverage for mistakes. A pest control insurance policy can also include coverage for a company’s own properties as well as worker’s compensation coverage. 

A pest control insurance policy is a commercial insurance policy that’s uniquely designed to meet the needs of companies offering fumigation and extermination services. 

Are you searching for the right pest control insurance policy in Boise, ID? We can help with that at Fuhriman Insurance Agency. Contact us to learn more about our pest control insurance policy offerings. 

Why should I get renters insurance in Idaho?

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The Boise, ID area can be a great place to move to and live. If you are coming to this area, you should think about renting a home instead of buying. When you rent here, you will have more flexibility to move into a new home, which will give you more of a chance to explore the area. When you are going to rent a home here, you also need to get proper insurance. There are several reasons you should get a renters insurance policy here. 

Required By Landlord

One of the reasons to get renters insurance is that it is going to be a lease requirement. Landlords know that a renters insurance policy provides important coverage to a tenant, which indirectly benefits a landlord as well. Due to this, they will usually require that all tenants maintain insurance throughout the term of the lease. Most landlords will ask for evidence of insurance before the start of the lease term. 

Gives Valuable Protection

Another reason that you should get a renters insurance policy is that it can give you some very valuable protection. When you get a renters policy, it will give you coverage for all of your personal assets, which could be lost if you are a victim of theft or fire. Additionally, you are going to receive some liability coverage, which is helpful if there is an accident or other situation that results in property damage or injuries.

As you are looking for renters insurance in the Boise, ID area, it would be a good idea to call Fuhriman Insurance Agency. The team at the Fuhriman Insurance Agency can provide you with advice on how to get into a policy that will give you valuable coverage. This will also ensure you are in full lease compliance. 

3 Reasons Why You Need Umbrella Insurance

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When you hear the word insurance do you shy away? If so, is it because you think you can’t afford it? But can you afford NOT to have insurance? The answer is no. Insurance is protection against unforeseen events. If you knew something was going to happen you could prepare for it, but even with as much caution as you put into daily living, accidents do happen. 

Chances are you already have insurance policies, such as auto, home, and life, but is this coverage enough? Have you determined whether you’re fully covered if something were to go wrong? To put your mind at ease, it’s always best to have maximum coverage, according to our team at Fuhriman Insurance Agency. This means having a full auto insurance policy rather than the minimum, for example, but it also means purchasing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is added protection that you purchase in addition to your standard policy. This means that if you submit a claim for damage to your home or vehicle and it’s not enough to cover it, your umbrella insurance will kick in. It’s like having extra cash in the bank that you utilize only under certain circumstances.

Why Should I Buy Umbrella Insurance in Boise, ID?

Securing this type of policy not only gives you peace of mind, but it also protects your assets. Imagine someone falls down the stairs and breaks a leg at your home and then decides to sue you. Your homeowner’s and your umbrella insurance will be available to cover the cost of litigation, which everyone knows is expensive. 

Contact a Reputable Agent Today

To learn more about purchasing umbrella insurance for maximum protection, contact Fuhriman Insurance Agency, serving the Boise, ID area, today. 

How much life insurance is enough

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Life insurance is the one type of insurance you don’t buy to protect yourself, you buy it to protect your loved ones. If something happens to you, it will help them to be able to go on with their lives without your paycheck to pay the bills. Deciding how much life insurance is enough is not a simple one size fits all figure. Many factors go into coming up with the right amount and having an insurance agent who you trust can make all the difference. In Boise, ID that is Fuhriman Insurance Agency, a family owned small business that has been in business for almost 60 years.

The aim of life insurance is to provide security for your loved ones. How much money that involves depends on who your loved ones are. If it is your parents it will require a lot less money than if it is a spouse and young children. Depending on how old your children are and the type of lifestyle you are living, it can be years of income. According to financial experts, it can be from seven to as much as 10 or more years of your income. If you plan for them to be able to attend college, that is something else to consider. 

You should also have enough life insurance to cover any debt that you may have. This includes everything from a mortgage to a car payment and credit card debt. Making sure that you provide the money for your final expenses is the very least you should do. Losing someone you love is stressful enough, worrying about how you will bury them is unthinkable. 

When you are ready to discuss your life insurance needs, Fuhriman Insurance Agency in Boise, ID is an independent agency that offers a selection of the finest carriers in the business. Give our office a call or stop in to get a no-obligation quote. 

Commercial Insurance Requirements in Idaho

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Whether you own a large business with hundreds of employees or only a couple, Idaho law requires that you carry several types of insurance to protect both your business, your employees, and third parties should an accident or incident occur. First, if your business employs one or more people regardless of whether they are seasonal, part time or full time employees than state law requires that you carry workers’ compensation insurance. This type of coverage helps pay for medical bills and lost wages associated with an illness or injury that an employee sustained while working. Second, any vehicles that are owned by the company must be covered by a commercial auto insurance policy. Lastly, although it is not required, any business that asks their employees to use their personal vehicles for work purposes like delivery should strongly consider hired and non owned auto insurance because personal policies are highly likely to exclude business use from coverage which could leave an employee exposed for hundreds of thousands of dollars if an accident occurs.

In addition to the aforementioned required insurances, businesses can select from a number of auxiliary options depending on their use case. For example, if your company is at a higher risk of a data breach that could expose sensitive customer information then cyber liability insurance may be an extra coverage that provides peace of mind by helping to pay for losses associated with cyber attacks. At Fuhriman Insurance Agency in Boise, ID we strive to provide excellent service by learning the ins and outs of your company so we can offer personalized insurance recommendations that meet and exceed your needs. Give us a call today to schedule your no obligation consultation with a member of our team.

The Facts about Car Insurance in Idaho

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The truth is everyone who intends on driving and has a driver’s license is required to have insurance in Idaho. Before you get it, you’ll want to know the fact about insurance. Research it with the insurance representatives at Fuhriman Insurance Agency in Boise, ID before you commit to a policy.

Liability Insurance Coverage

You must have liability insurance. Depending on which state you’re in, you’ll want to understand the amount of coverage you need when purchasing a policy. In Idaho, you’ll need to be protected if you cause an accident. Liability means that you’ll be financially responsible for injuries or damages you cause because of a car accident. Liability insurance will keep you from having to pay for medical costs, lost wages, or vehicle repairs depending on the amount of coverage you have.

Uninsured and Underinsured Coverage

Uninsured/underinsured motorist coverage is to protect you if someone else does not have insurance or does not have enough insurance to cover the cost of damages to your vehicle if they caused an accident. This covered is not mandatory, but it could be worth it if you get involved in a traffic incident where the other party does not have insurance.

Comprehensive and Collision

You’re not required to have insurance that pays for your own automobile, but with the comprehensive coverage, you can do just that. Collision insurance pays if you collide with another object, such as a garage door, building, lamppost, or mailbox.

You’ll need to have insurance no matter what state you’re in, so if you’re in Idaho stop by Fuhriman Insurance Agency in Boise, ID and speak with your insurance agents. They’ll be able to update your auto insurance coverage. They can also talk to you about purchasing a home, life, and commercial insurance policy if you need it.

Preparing for pest problems in Boise, ID

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There are various kinds of insects, rodents, and other pests who live in the Boise, ID area. Homeowners and property owners should know that they can suddenly experience an infestation and structural damage if these problems get out of control. Preventive pest control measures are one of the best ways to protect against this possibility. There are some companies that can start to treat a home and prevent it from ever being overrun by pests and insects if some protective measures are put into place beforehand. 

Learning about policy specifics

Some typical homeowner’s insurance policy may not contain coverage related to pests and termite damage. That is why it is crucial to purchase a new policy or a separate pest control insurance policy if necessary. The insurance professionals at Fuhriman Insurance Agency can give a more detailed explanation of the specifics of any policy related to pest control. 

Financial losses 

The most important reason to have pest control coverage is the possibility of costly repairs and treatments to repair a home and clear it of all pest activity. A homeowner may suddenly have to invest large sums of their own money that they do not have if they are suddenly attacked by pests due to things like changes in seasons, weather, and climate. The state of Idaho in particular has an environment that is ideal for certain insects and rodents. 

Getting assistance with pest control before problems arise

Anyone who wants to protect their property and lives in a pest prone area should contact agents at Fuhriman Insurance Agency. They will provide more information about their pest control solutions and answer any important and relevant questions.

Toy insurance: What is it and how much coverage do I need?

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Riding four-wheelers, jet skis, trikes, boats, and motorcycles create great memories. If you own one or several of them, you may be wondering whether these huge and savory investments require some form of insurance to protect you from financial loss in case of accidents. The truth is, they also need a type of insurance known as toy insurance.

What is toy insurance?

Toy insurance is a type of policy that protects recreational and motorized toys such as boats, ATVs, and RVs. Like you already figured, these are costly investments that require insurance in case of theft, vandalism, or damage. 

What does toy insurance cover?

To protect what you value the most, you want to ensure that all the risks are considered and well-covered. Depending on what you own and the value of your toy, it is crucial to speak to a Fuhriman Insurance Agency agent to find out which coverages will be essential for your case.

Toy insurance covers the following:

  • Collision coverage
  • Property damage Liability
  • Bodily injury liability
  • comprehensive coverage
  • Uninsured and underinsured motorist

Do you need toy insurance?

A very big yes! No one is really safe from accidents everywhere in Boise ID. Your toy is also vulnerable to fire accidents, vandalism, damage from elements, natural disasters, and theft. The last thing you want is to lose your precious luxury companion to a fire hazard. Remember, this is a considerable investment that you cannot afford to replace immediately if it is damaged or lost. However, you have an excellent option of securing it with toy insurance. Toy insurance gives you the peace of mind you need, whether your toy is in storage or out and about. 

Every asset requires a form of insurance, particularly if it is a valuable asset. If you are still unsure which coverages will work best for you, Fuhriman Insurance Agency can help you make a decision. Feel free to contact us or visit us at our Boise, ID offices.

What Does Worker’s Compensation Cover?

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If you live in the Boise, ID area and own a business or work for a company, then you should be well-informed about worker’s compensation insurance. You might be wondering what that term means and what that insurance type covers. Luckily, the experts at Fuhriman Insurance Agency can show you the in’s and out’s of worker’s compensation insurance and why you should be sure to have it. 

What Is Worker’s Compensation?

Worker’s compensation is a type of insurance that is provided by an employer to an employee. Worker’s compensation provides financial coverage for an employee that is injured or worse on the job. For those that are unfamiliar with worker’s compensation protection, here are some areas for which worker’s compensation provides coverage: 

  • Personal damage
  • Paid time off
  • Medical costs
  • Ongoing care costs
  • Funeral expenses 
  • Injury-related expenses

These are just some of the areas in which worker’s compensation can provide coverage. The specific coverage types and amounts will depend on what kind of worker’s compensation is offered by the employer and what type of policy you choose. To help you know your options and find the best possible coverage, visit Fuhriman Insurance Agency to find the perfect coverage policy for you. 

Why Is Worker’s Compensation Important? 

Worker’s compensation provides relief for an employee injured on the job, but it also holds the company liable for providing a safe work environment. By offering this type of insurance, an atmosphere is created that stresses safety in the workplace and guaranteed protection financially. Ultimately, it takes a huge amount of stress off of an employee who gets injured on the job. 

Stay Covered with Fuhriman Insurance Agency

To help you stay covered on the job, visit Fuhriman Insurance Agency to find the best coverage type for you. You’ll also want to talk with your employer. Our office serves the Boise, ID area.